Gap

Help for the in-between time

If you are confined to a hospital, a gap insurance plan can help reduce daily stress about money, so you can focus on getting better.

How does it work?

Hospital Confinement Indemnity “Gap” insurance is designed to provide benefits that supplement existing major medical or comprehensive health insurance plans. The additional benefits help to cover out-of-pocket expenses related to coinsurance, co-pays and deductibles for inpatient and outpatient services. If you are already enrolled in a high deductible medical plan, or are thinking about switching to one, you can have peace of mind by enrolling in Gap coverage to help manage your out-of-pocket medical expenses.

There are no health questions for timely applicants, and no exclusions for pre-existing conditions. Benefits can be paid directly to you, or assigned to your provider, if you prefer. Managing routine health care costs is hard enough. Let us help you ‘fill the gap’ so you can focus on recovery.

This Hospital Confinement Indemnity “Gap” insurance policy provides limited benefits. This limited policy has some specific benefit limits and is not a medical insurance policy, a Medicare Supplement policy, or a high deductible health plan. Please refer to the issued insurance policy for complete details and all benefit requirements. Group Hospital Confinement Indemnity “Gap” insurance or Supplemental Medical Expense “Gap” insurance is underwritten by Fidelity Security Life Insurance Company (Kansas City, MO) under Group Master Policy MG-111, MG-122; Policy Form No. M-9054, M-9111, and is administered by Sun Life Assurance Company of Canada (Wellesley Hills, MA). Claims paid by Fidelity Security Life Insurance Company.

This plan is subject to federal COBRA requirements. This plan covers only those charges related to treatment rendered for injury or sickness delivered in an inpatient or outpatient setting. Physician’s charges are not covered in outpatient services, except for those provided in an Emergency Room. Wellness benefits are not covered under this plan.

If you currently have a health spending arrangement such as a Health Savings Account (HSA), or if you plan to open one in the future, please consult your tax advisor about the features offered in this supplemental medical policy, and the possible tax implications of combining these plans.